1. Preheat oven to 350 degrees.
2. In a large skillet, brown ground chuck and chopped onion, drain well.
3. Stir in enchilada sauce, diced tomatoes (with juice), olives, salt, garlic powder, pepper; bring to a boil, reduce heat and simmer uncovered for 20 minutes.
4. In a small bowl, combine cottage cheese and egg, set aside.
5. Spread 1/3 of meat sauce in greased or sprayed 9x13 baking dish, top with 1/4 Monterey Jack, 1/2 of cottage cheese mixture and 4 halved tortillas.
6. Repeat layers and end with last 1/3 of meat sauce.
7. Sprinkle with cheddar cheese.
8. Cover with foil and bake at 350 degrees for 20 minutes, uncover and bake another 10 minutes.
9. Enjoy!